:root {
  --paper: #f8f0df;
  --paper-strong: #fff7eb;
  --paper-shadow: rgba(74, 51, 26, 0.12);
  --ink: #1d2d2b;
  --ink-soft: #51625f;
  --line: rgba(61, 45, 24, 0.14);
  --line-strong: rgba(61, 45, 24, 0.24);
  --accent: #9d5b33;
  --accent-strong: #7b3f1e;
  --accent-soft: rgba(157, 91, 51, 0.12);
  --moss: #3d675f;
  --moss-soft: rgba(61, 103, 95, 0.13);
  --berry: #7a3f48;
  --berry-soft: rgba(122, 63, 72, 0.12);
  --danger: #9f3328;
  --shadow-lg: 0 24px 70px rgba(51, 34, 11, 0.12);
  --shadow-md: 0 18px 40px rgba(51, 34, 11, 0.1);
  --shadow-sm: 0 10px 20px rgba(51, 34, 11, 0.08);
  --radius-lg: 32px;
  --radius-md: 22px;
  --radius-sm: 16px;
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  min-height: 100%;
}

body {
  background:
    radial-gradient(circle at top left, rgba(248, 205, 160, 0.3), transparent 28%),
    radial-gradient(circle at 80% 12%, rgba(130, 174, 164, 0.22), transparent 25%),
    linear-gradient(180deg, #f6edd8 0%, #f4ecdc 45%, #efe3d1 100%);
  color: var(--ink);
  font-family: "Manrope", "Segoe UI", sans-serif;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(95, 70, 39, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(95, 70, 39, 0.04) 1px, transparent 1px);
  background-size: 52px 52px;
  opacity: 0.5;
}

.refi-shell {
  position: relative;
  min-height: 100vh;
  padding: 28px;
}

.refi-shell__glow {
  position: fixed;
  z-index: 0;
  width: 34rem;
  height: 34rem;
  border-radius: 999px;
  filter: blur(45px);
  opacity: 0.38;
  pointer-events: none;
}

.refi-shell__glow--one {
  top: -8rem;
  right: -10rem;
  background: rgba(157, 91, 51, 0.22);
}

.refi-shell__glow--two {
  bottom: -10rem;
  left: -10rem;
  background: rgba(61, 103, 95, 0.2);
}

.topbar,
.refi-app {
  position: relative;
  z-index: 1;
}

.topbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  max-width: 1500px;
  margin: 0 auto 20px;
}

.topbar__brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  text-decoration: none;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.topbar__brand img {
  width: 54px;
  height: 54px;
  object-fit: contain;
  filter: drop-shadow(0 8px 14px rgba(56, 31, 11, 0.12));
}

.topbar__actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 12px;
  flex-wrap: wrap;
}

.topbar__link,
.topbar__account {
  border: 1px solid var(--line-strong);
  background: rgba(255, 248, 238, 0.82);
  backdrop-filter: blur(18px);
  border-radius: 999px;
  padding: 12px 18px;
  color: var(--ink);
  text-decoration: none;
  box-shadow: var(--shadow-sm);
}

.topbar__link {
  font-weight: 700;
}

.topbar__link--coffee {
  background: linear-gradient(135deg, #fff7ed 0%, #ffe5cb 100%);
}

.topbar__account {
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
  font-size: 0.92rem;
}

.topbar__account strong {
  color: var(--accent-strong);
}

.refi-app {
  max-width: 1500px;
  margin: 0 auto;
}

.panel {
  background:
    linear-gradient(180deg, rgba(255, 252, 247, 0.94) 0%, rgba(248, 241, 228, 0.94) 100%);
  border: 1px solid rgba(68, 48, 25, 0.12);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.panel--hero {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(280px, 0.9fr);
  gap: 28px;
  padding: 30px;
  overflow: hidden;
}

.hero-panel__intro {
  position: relative;
}

.hero-panel__intro::after {
  content: "";
  position: absolute;
  inset: 1.6rem auto auto calc(100% - 0.4rem);
  width: 1px;
  height: calc(100% - 3.2rem);
  background: linear-gradient(180deg, transparent, rgba(61, 45, 24, 0.22), transparent);
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--accent-strong);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin: 0;
  font-family: "Fraunces", Georgia, serif;
  font-weight: 600;
  line-height: 1.05;
}

h1 {
  max-width: 12ch;
  font-size: clamp(2.3rem, 4vw, 4.8rem);
}

h2 {
  font-size: clamp(1.5rem, 2.3vw, 2.2rem);
}

h3 {
  font-size: 1.1rem;
}

.hero-copy {
  max-width: 62ch;
  margin: 18px 0 0;
  color: var(--ink-soft);
  font-size: 1rem;
  line-height: 1.7;
}

.hero-panel__highlights {
  display: grid;
  align-content: start;
  gap: 14px;
}

.headline-card {
  position: relative;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 24px;
  padding: 18px;
  background: rgba(255, 249, 240, 0.84);
}

.headline-card::before {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 5px;
  background: var(--card-accent, var(--accent));
}

.headline-card__label {
  display: block;
  margin-bottom: 12px;
  color: var(--ink-soft);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.headline-card__value {
  display: block;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.9rem;
  line-height: 1.1;
}

.headline-card__copy {
  margin: 8px 0 0;
  color: var(--ink-soft);
  line-height: 1.5;
}

.workspace {
  display: grid;
  grid-template-columns: minmax(280px, 320px) minmax(0, 1fr) minmax(300px, 360px);
  gap: 20px;
  margin-top: 20px;
}

.panel--rail,
.panel--insights,
.panel--section {
  padding: 24px;
}

.panel__heading {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 18px;
}

.panel__heading--compact {
  margin-bottom: 14px;
}

.ghost-button,
.primary-button,
.snapshot-list button {
  appearance: none;
  border: 0;
  border-radius: 999px;
  cursor: pointer;
  font: inherit;
  transition: transform 180ms ease, box-shadow 180ms ease, background-color 180ms ease;
}

.ghost-button {
  padding: 11px 16px;
  color: var(--ink);
  background: rgba(255, 250, 245, 0.88);
  border: 1px solid var(--line);
}

.primary-button {
  width: 100%;
  padding: 14px 18px;
  color: #fffdf9;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-strong) 100%);
  box-shadow: 0 14px 20px rgba(123, 63, 30, 0.18);
  font-weight: 800;
}

.ghost-button:hover,
.primary-button:hover,
.snapshot-list button:hover {
  transform: translateY(-1px);
}

.field,
.field-grid {
  display: grid;
  gap: 10px;
}

.field {
  margin-bottom: 16px;
}

.field span,
.field label {
  color: var(--ink-soft);
  font-size: 0.88rem;
  font-weight: 700;
}

.field-grid--two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

input,
select {
  width: 100%;
  min-width: 0;
  border: 1px solid rgba(61, 45, 24, 0.16);
  border-radius: 18px;
  background: rgba(255, 250, 244, 0.95);
  padding: 14px 16px;
  color: var(--ink);
  font: inherit;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.7);
}

input:focus,
select:focus {
  outline: 2px solid rgba(157, 91, 51, 0.3);
  outline-offset: 1px;
}

input[type="range"] {
  padding: 0;
  background: transparent;
  box-shadow: none;
}

.horizon-block {
  margin: 8px 0 24px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 24px;
  background: linear-gradient(180deg, rgba(255, 249, 241, 0.9) 0%, rgba(248, 239, 225, 0.9) 100%);
}

.horizon-block__copy h3 {
  margin-top: 2px;
}

.horizon-block__value {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  margin: 16px 0 10px;
}

.horizon-block__value strong {
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.8rem;
}

.horizon-block__value span {
  color: var(--ink-soft);
  font-weight: 700;
}

.horizon-scale {
  display: flex;
  justify-content: space-between;
  color: var(--ink-soft);
  font-size: 0.78rem;
}

.field--inline {
  gap: 8px;
}

.snapshot-panel {
  margin-top: 18px;
}

.snapshot-list {
  display: grid;
  gap: 10px;
  margin-top: 14px;
}

.snapshot-item,
.snapshot-empty {
  border: 1px dashed var(--line-strong);
  border-radius: 18px;
  padding: 14px;
  background: rgba(255, 249, 241, 0.82);
}

.snapshot-item__header {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 10px;
}

.snapshot-item__name {
  font-weight: 800;
}

.snapshot-item__meta {
  margin: 6px 0 12px;
  color: var(--ink-soft);
  font-size: 0.85rem;
  line-height: 1.5;
}

.snapshot-item__actions {
  display: flex;
  gap: 8px;
}

.snapshot-list button {
  padding: 10px 14px;
  background: rgba(255, 250, 245, 0.96);
  border: 1px solid var(--line);
  font-weight: 700;
}

.offer-stack {
  display: grid;
  gap: 20px;
}

.panel--comparison {
  position: relative;
  overflow: hidden;
}

.panel--comparison::after {
  content: "";
  position: absolute;
  inset: 0 auto 0 38%;
  width: 1px;
  background: linear-gradient(180deg, transparent, rgba(61, 45, 24, 0.16), transparent);
  pointer-events: none;
}

.legend {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.legend__item {
  border-radius: 999px;
  padding: 8px 12px;
  background: rgba(255, 249, 242, 0.92);
  border: 1px solid var(--line);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.legend__item--current {
  color: var(--moss);
}

.legend__item--offer-a {
  color: var(--accent-strong);
}

.legend__item--offer-b {
  color: var(--berry);
}

.offer-card-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

.offer-card {
  display: grid;
  gap: 18px;
  padding: 22px;
  border-radius: 26px;
  border: 1px solid var(--line);
  background:
    linear-gradient(180deg, rgba(255, 253, 249, 0.95) 0%, rgba(249, 242, 230, 0.92) 100%);
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.8);
}

.offer-card--a {
  --offer-accent: var(--accent);
  --offer-soft: var(--accent-soft);
}

.offer-card--b {
  --offer-accent: var(--berry);
  --offer-soft: var(--berry-soft);
}

.offer-card__title {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.offer-card__badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 44px;
  height: 44px;
  border-radius: 14px;
  background: var(--offer-soft);
  color: var(--offer-accent);
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.1rem;
}

.offer-card__chips {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.chip {
  border-radius: 999px;
  padding: 8px 12px;
  background: var(--offer-soft);
  color: var(--offer-accent);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.mini-metrics {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.mini-metric {
  border-radius: 18px;
  padding: 14px;
  border: 1px solid rgba(61, 45, 24, 0.12);
  background: rgba(255, 249, 241, 0.84);
}

.mini-metric__label {
  display: block;
  color: var(--ink-soft);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.mini-metric__value {
  display: block;
  margin-top: 8px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.35rem;
}

.mini-metric--good .mini-metric__value {
  color: var(--moss);
}

.mini-metric--bad .mini-metric__value {
  color: var(--danger);
}

.panel--timeline {
  overflow: hidden;
}

.timeline-caption {
  color: var(--ink-soft);
  max-width: 36ch;
  line-height: 1.5;
}

.timeline-plot {
  width: 100%;
  min-height: 340px;
  overflow: hidden;
}

.timeline-plot svg {
  display: block;
  width: 100%;
  height: auto;
}

.timeline-notes {
  display: grid;
  gap: 10px;
  margin-top: 16px;
}

.timeline-note {
  display: flex;
  align-items: center;
  gap: 12px;
  border-radius: 18px;
  padding: 14px 16px;
  background: rgba(255, 250, 245, 0.88);
  border: 1px solid var(--line);
}

.timeline-note__dot {
  width: 12px;
  height: 12px;
  border-radius: 999px;
  flex: 0 0 auto;
}

.timeline-note__copy {
  color: var(--ink-soft);
  line-height: 1.5;
}

.panel--insights {
  display: grid;
  align-content: start;
  gap: 18px;
}

.decision-summary {
  display: grid;
  gap: 14px;
}

.decision-card {
  position: relative;
  overflow: hidden;
  border-radius: 24px;
  padding: 20px;
  border: 1px solid var(--line);
  background: rgba(255, 250, 242, 0.88);
}

.decision-card::after {
  content: "";
  position: absolute;
  inset: auto 0 0;
  height: 4px;
  background: var(--decision-accent, var(--moss));
}

.decision-card__eyebrow {
  color: var(--ink-soft);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.decision-card__headline {
  margin-top: 8px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.55rem;
  line-height: 1.15;
}

.decision-card__copy {
  margin: 8px 0 0;
  color: var(--ink-soft);
  line-height: 1.6;
}

.metrics-grid {
  display: grid;
  gap: 12px;
}

.metrics-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.metrics-card {
  border-radius: 20px;
  padding: 16px;
  border: 1px solid var(--line);
  background: rgba(255, 249, 242, 0.9);
}

.metrics-card__label {
  display: block;
  color: var(--ink-soft);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.metrics-card__value {
  display: block;
  margin-top: 8px;
  font-family: "Fraunces", Georgia, serif;
  font-size: 1.3rem;
  line-height: 1.1;
}

.metrics-card__note {
  margin-top: 8px;
  color: var(--ink-soft);
  font-size: 0.88rem;
  line-height: 1.45;
}

.panel--mini {
  padding: 18px;
}

.truth-list {
  display: grid;
  gap: 10px;
  margin: 12px 0 0;
  padding-left: 18px;
  color: var(--ink-soft);
  line-height: 1.6;
}

.empty-message {
  padding: 18px;
  border-radius: 18px;
  border: 1px dashed var(--line-strong);
  color: var(--ink-soft);
  background: rgba(255, 250, 245, 0.72);
}

.change-good {
  color: var(--moss);
}

.change-bad {
  color: var(--danger);
}

.change-neutral {
  color: var(--ink);
}

@media (max-width: 1280px) {
  .workspace {
    grid-template-columns: minmax(280px, 320px) minmax(0, 1fr);
  }

  .panel--insights {
    grid-column: 1 / -1;
  }

  .metrics-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 1024px) {
  .refi-shell {
    padding: 18px;
  }

  .panel--hero,
  .workspace,
  .offer-card-grid,
  .metrics-row {
    grid-template-columns: 1fr;
  }

  .hero-panel__intro::after,
  .panel--comparison::after {
    display: none;
  }

  .metrics-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .topbar {
    align-items: stretch;
    flex-direction: column;
  }

  .topbar__actions {
    justify-content: stretch;
  }

  .topbar__link,
  .topbar__account {
    flex: 1 1 auto;
    justify-content: center;
    text-align: center;
  }

  .panel--hero,
  .panel--rail,
  .panel--insights,
  .panel--section {
    padding: 20px;
  }

  .field-grid--two,
  .mini-metrics {
    grid-template-columns: 1fr;
  }

  .timeline-plot {
    min-height: 280px;
  }
}